Are You Prepared for Disaster? September is National Preparedness Month.This is a great time to review your personal emergency preparedness and confirm the adequacy of the insurance coverage protecting you and your assets.The global COVID-19 pandemic and wildfires raging in the West are grave reminders that the weather forecast can’t always predict coming catastrophes.

Disasters can strike without warning so it’s important to be prepared at all times.Check Ready.gov for a comprehensive list of ways to improve your readiness.Proper insurance coverage is a crucial element of every preparedness plan.

Key Insurance Questions to Review and Discuss with Your Insurance Agent To build a strong safety net of protection, your insurance agent needs to have all the information about your potential exposures.Here are some key questions to discuss with your agent: Electronic Documentation to Prepare Store key documents, photos and information about your assets in a home inventory app, or in the cloud so they are safe from fire and theft and can be accessed from anywhere if a disaster requires you to leave your home.Check your homeowners insurance policyholder app to see if it includes a home inventory tool.

If not, there are several inexpensive options available online.Your electronic documentation should include: While some things cannot be replaced like your grandmother’s cookbooks or old family photos, we want to make you as whole as possible on the other side of a disaster.These steps may seem tedious but in the event of a loss, but they are crucial in helping you recover quickly.

Creating a complete inventory now will make the claims process much easier later, at a time when you are likely to be stressed.Small Business Considerations If you own a small business, you will need to take a few more steps.Complete Your Annual Coverage Checkup Now We are here to help you protect the life you’ve worked so hard to build.

Please contact us anytime for a review of your homeowners, auto, flood, earthquake, and/or business coverage.